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<P align=center><A href="http://www.TheLendingChest.com">www.TheLendingChest.com</A> a leading mortgage company in Florida, is currently working with all the major FHA banks to get ready for the new FHA mortgage products under the FHA Secure Program which was set up by President George Bush. Before sub-prime existed people with less then perfect credit relied on FHA mortgages to buy and refinance their homes. Now that the sub-prime mortgages may be a thing of the past people are again turning to FHA mortgages to finance there homes. During the week of February 8 2008 the FHA reached out to 850,000 at risk homeowners who have not been able to meet there current mortgage obligations by letter. These letters are being sent to homeowners who have already faced or are experiencing the first reset of their adjustable rate mortgages, and live within geographic locations that are currently subject to FHA loan limits nationwide. Currently, FHA can insure home loans valued between $200,160 and $362,790. </P>
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<P style="MARGIN-TOP: 5px">We are currently working with many seniors to get a Florida reverse mortgage. If you are over the age of 62 and own a home you may qualify for a Florida reverse mortgage. Florida reverse mortgage is great way for you to start enjoying the rest of your life. You can take a one time lump sum payment, monthly payments or combination of both. FHA Mortgage Thinking of purchasing a home? We can help! You may qualify for a FHA Mortgage that can help you get into the home of your dreams. An FHA home loan is a goverment backed loan that can help you purchase a home with as little as 3% down. Refinancing? FHA Home loan financing can also help you get out of that high adjsutable mortgage that you may have. FHA Secure mortgage program was designed to help borrowers that are in trouble or having trouble making there current mortgage obligations. For more info or to see if you qualify for a FHA Mortgage....Call (954) 793-7974 </P>
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<P style="MARGIN-TOP: 5px; MARGIN-BOTTOM: 0px">Being a Preferred Florida Jumbo Mortgage Lender, we are able to offer some of the most competitive jumbo mortgage rates in the industry. As one of the few real Florida jumbo mortgage companies in Florida we are sure to exceed all your expectations and deliver a personal and private consultation. We have the ability to fund loans up to $50 million. We are currently specializing in Ft. Lauderdale, Miami home mortgage refinances, Tampa home mortgage refinances, Jacksonville home mortgage refinances and Orlando home mortgage refinances. Call today and ask to speak with Dean Chitre our Florida Jumbo Mortgage Loan Specialists at (954) 793-7974. We also provide Florida commercial mortgage loans. Please click commercial loan link for more info on all Florida commercial loan products.</P>
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<P align=center>VR BUSINESS BROKERS</P>
<P align=center><A href="http://www.VRNFLL.COM">WWW.VRNFLL.COM</A></P>
<P align=center>Dean Chitren</P>
<P align=center>Business Broker Ft. Lauderdale, Florida</P>
<P align=center>VR Business Brokers has been the industry leader for over twenty years and has the distinction of having sold more businesses in North America than anyone else. It has set the highest quality standards in the industry, provides the most extensive training program for its Intermediaries, maintains the largest national database of sold businesses to assist in business valuations, and has been rated the number one Business Brokerage in the world for 16 of the last 20 years. </P>
<P>VR BUSINESS BROKERS was founded in 1979 to fill the void for quality service that existed between the Real Estate Industry and Investment Banking Representation to buyers and sellers of main street, upper main street and middle market businesses that had remained under serviced. Four years later, the original principals of the company along with a group of VR franchisees created the International Business Brokers Association (I.B.B.A), to help standardize practices, generate a forum for new ideas, and provide a methodology for continuing education.</P>
<P>VR has always been light years ahead of its industry, and continues to pave the path that others continue to follow. VR's continual drive to improve and achieve has led to the creation of several divisions designed to meet the rapidly changing needs of its business clients around the world. The past few years has seen the highly successful deployment of VR Mergers & Acquisitions.</P>
<P>VR's components of its success are the strength, professionalism and commitment of VR's Network of Intermediaries working diligently with every client, not as business brokers merely trying to make a sale, but rather as advocates providing a comprehensive consultative approach to each and every business transaction. You will find that VR provides you with exactly the same level of service and professional resources that a large institutional client receives from the finest investment bank.</P>
<P>VR continues to be the leading force within the industry as it moves into the future, always developing new and innovative practices for buying and selling businesses, protecting client interests and refining the level of services every small and mid size business owner should expect to receive.</P>
<H1>12 Fatal Mistakes You Can Make When Selling Your Business</H1>
<P>Many factors come into play that affect the selling of a business. Though every business is unique, whether in manufacturing, service, distribution or retail, each shares the same opportunities and the same problems that must be evaluated carefully when selling it.</P>
<P>As one of the most successful business brokers in Florida, <A href="http://www.VRNFLL.COM">WWW.VRNFLL.COM</A> believes that outsourcing expertise in the selling of a business is a wise investment.</P>
<P>Many entrepreneurs build a successful business through vision, excellent management skills and sheer hard work. But most do not have a thorough understanding of the complexities and factors that are present in the deal structuring and business selling process.</P>
<P>Factors, such as:</P>
<UL>
<LI>Maintaining confidentiality.
<LI>Receiving the highest value for your business.
<LI>Knowing how to project the company's future.
<LI>Maximizing its potential.
<LI>Applying alternate deal structuring must be considered when selling. </LI></UL>
<P>This document presents 12 of the most vital concerns that will have a direct effect on the selling of your business. The omission or even wrong interpretation of just one can greatly affect the value of the business or future success of the potential sale. Some of these must be implemented immediately, such as maintaining confidentiality of the future sale, while others can be addressed during the selling process. You will find these 12 suggestions highly informative.</P>
<P>These are guidelines you will need to know when selling your business to achieve a faster transaction and the best possible price. </P>
<H3>1) Lack of deal structure expertise</H3>
<P>When the seller has limited knowledge about the available alternatives for structuring the deal, he is at a definite disadvantage! And probably a costly one. Items such as leverage buy-outs, leases, royalties, earn-outs, consulting agreements, non-compete contracts can add immeasurable value and security to both buyer and seller alike. </P>
<H3>2) Failure to adjust the net owner benefit</H3>
<P>If you are to determine a proper value, the balance sheet and income statements must be recast. Items such as owner's salary, depreciation, interest and fringe benefits may be added or subtracted depending on the circumstances. The adjusted income statement will reflect the actual owner benefit in order to help determine the market value. </P>
<H3>3) Failure to maintain confidentiality</H3>
<P>Confidentiality is vital to the selling of a business. If employees know that you are selling and changes are coming, they may seek other opportunities. Competitors may use this information as a selling tool. Vendors may not continue to extend favorable terms. Profitability and market value may be reduced. </P>
<H3>4) Failure to secure qualified buyers</H3>
<P>Knowing how to qualify a buyer is critical. <A href="http://www.VRNFLL.COM">WWW.VRNFLL.COM</A> pre-qualifies each buyer to avoid a negotiation that is doomed to fail. This saves you time and money. It can eliminate hundreds of wasted hours and misdirected efforts.</P>
<H3>5) Failure to continue to run your business</H3>
<P>It is important to maintain your business at peak operating capacity. The performance and productivity of your business is what you are really selling. The time taken from your business to sell it will have a toll on the business and as a direct result lower its market value.</P>
<H3>6) Failure to properly adjust for economic conditions and owner's ability</H3>
<P>Generally speaking, the higher the skill level required to operate the business, the more difficult it will be to sell it. The value tends to increase when the owner can be replaced easily. The value also may increase when an industry is in a growth stage. For many industries there are specific valuation methods that are highly subject to the owner's duties in the company as well as outside economic conditions.</P>
<H3>7) Failure to provide credible information</H3>
<P>A potential buyer will want information about your customer base, competition, financial history and industry characteristics, such as size, growth potential and areas of opportunity. This information must be provided in a salable format and in a way to ensure your confidentiality. </P>
<H3>8) Poor negotiating techniques</H3>
<P>In many deals, poor negotiating techniques can cost the seller considerably in terms of selling price, terms and other opportunities. Many times a deal will fail to close because of poor negotiation or communication between parties.</P>
<H3>9) Failure to place the proper value on your business</H3>
<P>A business has value to a buyer because of its anticipated earnings from its established resources and a demonstrated successful track record. Proper evaluation is crucial, enhancing the chances of selling your business. </P>
<H3>10) Failure to consider alternative investments</H3>
<P>All buyers have alternative investment options. To make your business attractive, you must show a return on investment greater than stocks, bonds, real estate or other similar business opportunities. You should be prepared to offer seller financing. </P>
<H3>11) Failure to prepare for proper due diligence</H3>
<P>Due diligence issues are very important to the selling process. These issues can have a major impact on the closing of a business sale. It is imperative to be prepared and organized. You must be able to defend and substantiate representations made during the selling process. </P>
<H3>12) Failure to seek professional assistance and consultation</H3>
<P>There are legal, financial. marketing and other vital considerations that must be addressed in the selling process. Many decisions in the selling process should not be made without the advice of the right professionals. A wrong decision could lead to a fatal mistake!</P>
<P>These are just 12 areas of concern. There are many more just as important, depending on your particular situation. </P>
<P>Some of these are: </P>
<UL>
<LI>How to sell when partners disagree.
<LI>How to sell when a company is marginal or close to bankruptcy.
<LI>What to do if the buyer wants you to continue managing the company.
<LI>How to compile the necessary paperwork to finalize the sale.
<LI>You simply cannot afford to sell your business without the necessary skills and selling expertise. You run the risk of not getting the full value for your business. Worst yet, you may turn off legitimate buyers who may have purchased had your business been properly packaged and represented.
<LI>Almost all business owners who sell on their own do not receive the full value for their businesses! </LI></UL>
<P>At VR BUSINESS BROKERS, we have one objective -- to get you the most for your business.</P>
<P>We believe in results. Now you must take the next step!</P>
<P>By now we hope you are aware of the potential economic gain and the possibility of fatal errors when selling your business. Our main objective is to ensure that every client receives the maximum value for his or her business. That is our purpose.</P>
<P>Since 1979, VR BUSINESS BROKERS has sold more businesses in the world than anyone, some just like yours. Unlike other brokerages, you get 100% directed expertise in selling your type of business. No distractions!</P>
<P>We specialize in virtually every type of business in most market segments. Chances are that we have an expert on board, experienced in the sale of your type of business. This works in your favor because we are familiar with the challenges associated with the marketing of your business.</P>
<P>Our vast network and aggressive marketing efforts ensure your business will be confidentially introduced to qualified buyers throughout the world!</P>
<P><A href="http://www.Vrbusinessbrokers.com">www.Vrbusinessbrokers.com</A> will also provide you with a well-researched business evaluation, addressing crucial areas of concern that must be dealt with when selling your business.</P>
<H2>Call the Ft. Lauderdale, Florida business for sale specialist (954) 793-7974.</H2><!-- InstanceEndEditable --><!-- Start of StatCounter Code -->
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